@ Baxtor, This might still include Sentry as even if their pricing is 30-50% below “market” rates, they can still be 5% above their expiring rates. The same could be said of AIG the leader in lead excess liability quotes. In general they are seeking and usually getting 5-7% rate increases on their book of business which in many cases is still 30-50% below “market” rates. At least Sentry’s alleged irresponsibility is not financed with taxpayer bailout dollars the way AIG’s is.